The easiest way to compare hundreds of banks at once is an independent broker like Interhyp or the Check24 portal. A 0.3% difference on 400,000 € over 20 years is over 20,000 € — one comparison evening pays off like nothing else.
Buying: Comparing the Mortgage
Bank rates differ by tenths of a percent, but over 30 years that is tens of thousands of euros. An independent broker compares hundreds of banks at once — start there, not with your own bank.
✓ Verified: 18/07/2026
WHAT TO DO
› Details and tips
👨🏻💻
Max recommends:
My home bank offered 3.9% — the broker found 3.4% at another bank. The printout on the adviser desk dropped my rate by itself. Comparing is a must, even if you stay with your bank.
👩🏼💼
Lea recommends:
Secure 5% free annual special repayment in the contract itself — you cannot add it later. A bonus, inheritance or windfall goes into repayment and cuts years off the term.
FREQUENTLY ASKED QUESTIONS
Broker or my own bank — where is it cheaper? ▾
Usually the broker: your home bank offers only its own terms, a broker compares hundreds. A conditions inquiry does not hurt your SCHUFA — get the numbers and negotiate.
What repayment rate to choose? ▾
Below 2% a year and the loan drags on for decades. Aim for 2–3% to finish before retirement. Calculate the total term, not just the monthly payment.
What matters more — rate or terms? ▾
Both: a low rate without special repayment and with a rigid fixed period can lose to a slightly dearer but flexible one. Look at the effective rate and the special-repayment right.